SUGIHYANTO, Toto; JANSEN ARSJAH, Regina. The Effect of Digital Banking, Digital Transformation the Efficiency of Sharia and Conventional Commercial Banks in Indonesia . International Journal of Social Science, Education, Communication and Economics (SINOMICS Journal), [S. l.], v. 2, n. 6, p. 1813–1826, 2024. DOI: 10.54443/sj.v2i6.270. Disponível em: https://sinomicsjournal.com/index.php/sj/article/view/270. Acesso em: 27 sep. 2025.